PayCalculus
Business documents and money calculators that run in your browser
Make invoices, quotes, receipts, payslips and purchase orders, and work out loans, interest, margins and tax. Free, no sign up, and nothing you type leaves your device.
- Works in 25 currencies and any tax rate
- PDF download, no watermark, no account
- Every tool shows its formula and a worked example
5 tools
Business documents
Invoices, quotes, receipts, payslips and purchase orders with your logo, line items, two tax lines and 25 currencies. Download a PDF, nothing is uploaded.
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Invoice Generator
Bill a client with your logo, line items, discount and tax, then download a PDF.
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Payslip Generator
Make a payslip or pay stub from the earnings and deductions on your payroll, then download a PDF.
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Purchase Order Generator
Order from a supplier with item codes, a ship to address, shipping and tax, then download a PDF.
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Quote and Estimate Maker
Price a job with line items, tax, a valid until date and a deposit, then download a PDF.
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Receipt Maker
Confirm a payment, cash sale or rent with a numbered receipt and the amount in words.
7 tools
Calculators
Loan and EMI, compound interest, profit margin, break even, hourly rate, VAT and GST, and currency conversion. Type a number and the result updates as you go.
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Break Even Calculator
Units and revenue needed to cover fixed and variable costs, with an optional profit target.
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Compound Interest and Savings Calculator
See how a lump sum and regular deposits grow with compound interest, or find the deposit needed to reach a goal.
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Currency Converter
Convert an amount between 25 major currencies with daily mid market rates and see what a provider margin would cost.
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Hourly and Freelance Rate Calculator
Hourly and day rate to charge from your income goal, costs, time off and billable hours, plus salary to hourly conversion.
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Loan and EMI Calculator
Monthly payment, total interest and a repayment schedule for any loan amount, rate and term.
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Profit Margin and Markup Calculator
Margin, markup, profit and selling price from cost and price, a target margin, or a markup.
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VAT and GST Calculator
Add VAT, GST or sales tax to a price, or take it out of a total, at any rate.
1 tool
Salary tools
A salary converter that works in any currency, plus country packs that apply one country's tax rules. Every figure is worked out in your browser.
3 tools
UK salary tools
UK salary, take home pay and income tax calculators built on the rates HMRC publishes, with Scottish bands, student loans and pensions.
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UK Income Tax Calculator
Split UK income tax across the personal allowance and each tax band, for England, Wales, Northern Ireland or Scotland.
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UK Salary Calculator
Turn a UK salary into take home pay after income tax, National Insurance, student loan and pension, with Scottish rates.
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Take Home Pay Calculator
See the UK take home pay you keep each month after income tax, National Insurance, student loan and pension, and the gross a target needs.
Private by design
Documents and calculations are built in your browser. We never see your figures or your clients.
Show your working
Every calculator page prints the formula and a worked example you can check by hand.
Free to use
No sign up, no watermark and no paid plan needed. Ads may appear on tool and guide pages later to cover the running costs.
Guides
Short guides that answer the questions behind the tools
How to Write an Invoice That Gets Paid on Time
The 9 details every invoice needs, how to word payment terms and when to follow up, with a filled GBP example worked line by line to the total.
Markup vs Margin: The Difference and a Conversion Chart
Markup vs margin explained with one set of numbers, a conversion chart from 10% to 200% markup, the 2 formulas, and a pricing mistake worked through.
How EMI Is Calculated: The Formula, Step by Step
The EMI formula with every symbol defined, a USD 20,000 loan worked by hand to 400.76 a month, the schedule rows, and flat rate versus reducing balance.
How to Set Your Freelance Hourly Rate, With the Math
Work out a freelance hourly rate from a yearly income target: billable hours, expenses, a margin, day rates, project prices and rates for foreign clients.
About PayCalculus
PayCalculus is a set of free tools for freelancers and small businesses anywhere in the world. Many invoice makers and loan calculators want an account first, hide the formula, or assume you live in one country. These tools take any tax rate, handle 25 currencies, show every calculation, and keep your data on your device. PayCalculus is built and run by Atif in Lahore, Pakistan, and every page is written to be checked by hand. Read more about us.